Do you really need flood insurance? It may be a good idea to contact your SIAA certified independent insurance agent to determine what, if any, additional flood insurance you need. Often, but not always, this depends on whether your property lies within a flood zone. Current Federal Emergency Management (FEMA) Issued Flood Maps are available for your online review. These maps are broken down into high-risk areas, moderate-to-low risk areas and undetermined-risk areas. Since risks can change over time, we recommend you re-visit these maps and this investment decision each year upon your policy renewal date. Be aware as flood claims do happen in areas that are not designated flood zones. A good insurance agent can tell you if your home is located in an area where flood losses have occurred.

Water damage can be expensive. To help you visualize the damage and determine possible financial losses, visit FEMA’s cost of flooding tool at: www.floodsmart.gov. Damage estimates range from $7,800 for a one-inch flood to $12,000 for an eight-inch flood.

Don’t wait - ask the question now - Flood insurance cannot be purchased if a major hurricane or other weather event is imminent!

“The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any policies, nor does it provide any guarantees. You should read your specific policy for a complete description of coverage.”

We have become so used to everyday conveniences - public Wi-Fi in our coffee shops, malls, airports and restaurants; banking in the palm of our hand and access to shopping at any hour. The on demand world we live in can be beneficial and time-saving, but can also severely damage our identity including our finances, credit and more. It’s crucial to have a plan in place for protecting your identity with active monitoring to detect any suspicious activity before it can cause long lasting effects.

Did you know 60% of all cybercrime is directed at small businesses? In fact, According to the National Cyber Security Alliance, one in five small businesses falls victim to cybercrime each year. And of those, some 60 percent go out of business within six months after an attack.